Rewards Plus Checking

Earn rewards and interest. The monthly service fee is waived when you maintain a minimum daily balance of $1,500, or an average combined relationship deposit balance of $10,000.

Earn a competitive interest rate and $.05 on every debit card transaction. As an account holder, you don’t have to worry about finding a Banner Bank ATM, because we provide ATM surcharge rebates at any ATM in the world. If you like earning rewards and interest, this is the account for you.

Apply online

Service Charge

$7 monthly service charge, waived with minimum daily balance of $1,500 or average combined checking/savings relationship deposit balance of $10,000^

Minimum Opening Balance


Personal Debit Card

  • Use everywhere MasterCard® is accepted and you’re covered by MasterCard’s Zero Liability Protection. For details, please click here
  • Earn $.05 on every debit card transaction (paid monthly)
  • Use Apple Pay™ on supported Apple devices. To learn more, click here
  • Register for MasterCard's Identity Theft Alerts to monitor and protect your online identity and card information. To learn more, click here
Monthly eStatement Charge


Bank Anywhere
  • Free Banner Online Banking, Mobile Banking‡ with Snapshot Deposit®, Online Bill Pay, Bank-By-Phone and eStatements
  • To learn more about these features, click here

Free use of Banner Bank ATMs, plus unlimited rebates of surcharges assessed by non-Banner owned ATMs worldwide. Surcharges assessed by non-Banner ATMs will be rebated by Banner Bank to client account.

When using ATMs internationally, there is a non-reimbursable 1.10% currency conversion fee assessed. Before traveling internationally, be sure to contact Banner Bank in order to remove international travel restrictions. Learn more.

  • Link to a Banner savings account or Banner Line of Credit† for overdraft protection
  • To learn more about Overdraft Protection, click here
Additional Benefits
    • Unlimited check writing
    • Unlimited MasterCard debit card usage
    • For clients aged 65 and up: 50% off any personal check style or free Banner Bank logo checks or pay just shipping and handling cost for Banner logo wallet checks
    • Free Notary Public services
    • Direct deposit available
    • Automatic savings plan available
    • Earn interest 
Apply online

^ Minimum daily balance required to avoid monthly service charge. Relationship balances include all checking and savings accounts including the primary account holder as either a primary or joint account holder.
‡ Check with your mobile service provider for message and data rates.
† Subject to credit approval.

Charity Tucker

The local branch manager brought the paperwork to my office personally, they had it fixed in 5 minutes. I don't know any other bank that would do that.

Charity Tucker, Boise, Idaho

Charity Tucker

Business and Personal Banking

After a particularly bad experience at another bank, this Idaho business woman turned to Banner Bank and has never looked back.

"The bank just froze our accounts," Charity remembers with astonishment. Her previous bank, where she and her husband had their personal accounts had bungled a fraud incident. Badly. "There was no phone call. Our cards simply stopped working, checks bounced. It was a nightmare."

As the owner of a massage clinic in Boise, Charity Tucker has built her business on customer service. And as a mother, her time is precious. So she called Banner, where she had a business account, for help. But between raising her kids and running her business, Charity didn't have time to go to the bank. So Banner came to her.

The local branch manager brought the paperwork to my office personally," Charity recalls. "They had it fixed in 5 minutes. I don't know any other bank that would do that.

Balancing her business and family takes work. And Charity values having a financial partner who understands her needs. "It really is a partnership," she says. "They not only know me and my family, but they care about my business and my success. They're like a part of my business."

Charity has been a Banner customer for 9 years now, and today she has every one of her accounts at Banner; business, personal, and even her kids' accounts. "They know me by name, no matter what branch I go to. That makes a difference."

Since making the switch, Charity hasn't looked back. "They care about the experience of every person. They acknowledge that you are important to their business. That means a lot. I couldn't do what I do without Banner."

Read more Community Stories.

See what other Banner Bank clients looked for

Connected Checking

You’ll get ATM surcharge rebates on non-Banner ATMs worldwide.

Personal Savings Account

Our competitive interest rate compounds daily and is credited quarterly. In the meantime, you can make unlimited withdrawals by ATM or in person. 

Money Market Account

Watch your balance grow with tiered interest rates, withdraw as much as you need without a fee, and write a limited number of checks.